The Non-Agency Credit Underwriter reviews residential mortgage applications that do not meet standard agency guidelines and assesses borrower income, assets, credit history, property details, and overall repayment capacity. Requirements typically include lending or mortgage underwriting experience, knowledge of credit policy and regulatory requirements, strong analytical and decision-making skills, attention to detail, and proficiency with relevant systems and documentation. Candidates are expected to make accurate, well-supported credit decisions, manage assigned workloads within service-level targets, identify risks or exceptions, communicate clearly with internal teams, and maintain high standards of confidentiality, quality, and compliance. Experience with U.S. home lending or non-agency underwriting is highly desirable.
JPMorgan Chase & Co. is one of the world’s largest financial services organizations, serving consumers, businesses, institutional clients, and governments. Headquartered in the United States, the company operates across commercial banking, consumer banking, investment banking, asset management, payments, and technology. Its brands include JPMorgan and Chase. The firm employs hundreds of thousands of people worldwide and has a significant operations, technology, and service presence in the Philippines, particularly in Metro Manila. Philippine teams support global processes such as home lending, customer service, finance, risk, operations, and technology. JPMorgan Chase emphasizes disciplined risk management, regulatory compliance, operational excellence, innovation, and professional development. Employees generally work in structured, performance-focused environments with opportunities to collaborate across countries and business lines. Compensation and benefits depend on the position, experience, shift schedule, and employment arrangement.
The Philippines offers strong opportunities in banking operations, shared services, technology, customer support, finance, healthcare, education, tourism, and business-process outsourcing. Major employment hubs include Metro Manila, Cebu, Clark, and Davao. Filipino culture is generally warm, family-oriented, English-speaking, and relationship-focused, with a strong love of food, music, festivals, and community celebrations. Lifestyle varies from fast-paced urban living to quieter coastal or provincial communities. Manila provides the widest career options but has traffic and higher housing costs; Cebu and Davao are often more relaxed. Foreign workers usually need an employer-sponsored work visa or permit, commonly arranged after receiving a formal job offer. Requirements can include immigration approval, medical documents, and employment contracts. Relocating employees should budget for housing, transport, healthcare, deposits, and tropical weather preparation. Local employment laws, taxes, and visa rules should be confirmed with the employer and Philippine authorities.
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